SBI Card Prime vs HDFC Infinia Credit Card

Joining Fees

₹2,999

₹10,000

Editor's Rating

4.1

5

Key Features

  • Get 20 Reward Points on standing instructions of Utility Bills payments, and get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies, and earn 2 Reward Points per Rs. 100 on all other retail spends
  • Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
  • E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
  • Enjoy complimentary Trident Privilege Red Tier Membership    
  • Enjoy 10% instant saving on bookings through the hotel website, and earn 10 points for every Rs.100 spent (excluding taxes) during your stay at participating hotels
  • Enjoy Complimentary Club Vistara Silver membership, and earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
  • Exclusive benefits across 900 luxury hotels worldwide
  • Savings of 10% off on Hertz car rental and up to 35% off on Avis Car Rentals
  • You will get Welcome Benefit of Complimentary Club Marriott membership for a year which provides up to 20% discounts for Dining and Stays across Asia – Pacific region
  • As a Welcome Benefit, receive 10,000 Reward Points upon fee realization
  • If you spend eight lakhs or more in the preceding 12 months, you’ll get renewal membership fee waived off for next year
  • Avail Renewal benefit of 10,000 Reward Points
  • Complimentary unlimited airport lounge access within and outside India using the Priority Pass. The same benefit is also available for the add on priority pass holders. Through Priority Pass membership you may also use the refreshment and business centre facilities at the selected lounges
  • Avail 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs.400 and Rs.1,00,000
  • Enjoy lowest markup fee of 2% on all foreign currency transactions
  • Avail unlimited complimentary golf games at leading courses in India and selected courses across the globe. Also, you’ll have unlimited complimentary Golf coaching at selected golf courses within India
  • Enjoy the Good Food Trail dining program at some of the premium restaurants across top cities
  • Earn 5 Reward Points on Rs. 150 on retail spends including Insurance, Utilities, Education, and Rent pay
  • Gut 10X Reward Points on travel and shopping spends on HDFC SmartBuy
  • Earn 2X Rewards Points on dining spends
  • Infinia Credit Card provides Credit Shield Cover for up to 9 lakhs

 

 

 

 

 

 

 

 

 

 

 

Rewards Rate:

  • Default Reward Rate is 3.3%
  • Avail Accelerated Reward Rate of 6.6% (2X on Dining/ airvistara / hdfcbankinfinia)
  • Get Accelerated Reward Rate: 33% (10X with limited partners)

Editor's Review

Pros

  • 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps
  • Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
  • 4 complimentary International Airport Lounge visits, 8 complimentary Domestic VISA/Mastercard Lounges (max. 2 visits per quarter)

Cons

  • General spending rewards rate: 0.50%
  • Joining Fee bit high

Pros

  • This credit card is suitable for those who’re frequent travelers
  • Get Accidental Air Death cover worth Rs. 3 Crore
  • If there’s an emergency overseas while, get emergency overseas hospitalization insurance up to Rs. 50 lakhs

Cons

  • This credit card is suitable for those who have high earnings
  • This credit card doesn’t have any monthly & annual benefits
  • This credit card is by “Invite only”


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